Abstract: This empirical study explores the relationship between trust and the Internet from the retail bank’s perspective. The overall aim of this study is to develop a conceptual framework systemically measure trust for the adoption of internet banking as a delivery channel in retail banking industry. By doing so, future retail banks can decide when the time is right for them to adopt Internet banking. This theoretical study should make a significant contribution to our understanding of factors that influence retail banks trust in Internet baking, specifically the role of the role of perceived risk and perceived benefits for an adoption of internet banking as a delivery channel.

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